Louisiana Auto Insurance Lawyer

The state of Louisiana requires automobile drivers to purchase bodily injury liability coverage and property damage liability coverage. At a minimum, the driver must have bodily injury liability coverage of at least $10,000 per person injured in any one accident and $20,000 total for all persons injured in any one accident. Additionally, the driver must have a minimum of $10,000 property damage liability coverage for the destruction of the property of others as a result of an automobile accident. This is often represented as 10/20/10 coverage.

Automobile drivers have the option of purchasing uninsured motorist or underinsured motorist bodily injury coverage. This type of insurance is meant to cover bodily injuries caused by an uninsured or underinsured driver. If a person chooses to purchase uninsured motorist coverage, the coverage may be purchased in any amount not less than the amount of bodily injury coverage purchased. Insurance companies are able to offer underinsured motorist coverage for a reduced premium.

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